Liberty Mutual Auto Insurance Review: Features, Pros & Cons, and Costs
If you’ve ever watched a show with commercials, you’ve probably heard of Liberty Mutual. With their catchy ads, it’s no wonder that Liberty Mutual has become a popular auto insurance option. So let’s dig into what sets Liberty Mutual apart, shall we?
- What is Liberty Mutual Insurance?
- How does Liberty Mutual’s auto insurance work?
- Liberty Mutual’s auto insurance features
- Pros & cons of Liberty Mutual
- The bottom line
What is Liberty Mutual Insurance?
Liberty Mutual is an insurance company that offers both personal and commercial insurance products. You can purchase auto and vehicle insurance for everything from your car or motorcycle to ATVs, antique cars, RVs, and boats. Liberty Mutual also offers property insurance and other types of insurance including life insurance, accident insurance, pet insurance, and more.
The Boston-based company has been around since 1912, and operates on the belief that “progress happens when people feel secure.”
How does Liberty Mutual’s auto insurance work?
You can begin Liberty Mutual’s quote process within seconds of visiting their website.
After submitting your zip code, you’ll move onto the first page of the quote process.
Here, you can expect a pop-up window to appear. Liberty Mutual is just letting you know that you’ll receive a discount if you purchase your auto policy online.
Liberty Mutual will ask you to fill out your address, name, and birthdate so that the system can calculate your quote. You’ll also need to enter your email address so that Liberty Mutual can email you a copy of your quote once you’ve finished the quote process.
Next, Liberty Mutual will use this information to search for your vehicle information.
According to the website, this is how Liberty Mutual obtains your vehicle information:
“This information has been gathered from the department of motor vehicles or your current insurance carrier, through a secure third party. There are times when vehicles displayed are not yours or should not be included, which happens most often if you’ve recently moved.”
For the record, Liberty Mutual did find the correct vehicle for me. I moved a few weeks before obtaining this quote, and no other vehicles showed up in my quote. You can select or unselect any of the vehicles that Liberty Mutual has listed. You can also add other vehicles, if necessary.
After you’ve confirmed your vehicle(s), Liberty Mutual may automatically apply a discount to your quote based on your vehicle’s standard features. You can also review safety features and select the features that your vehicle has. If your vehicle has the safety features listed, you may be eligible for further discounts from Liberty Mutual.
You’ll be asked to submit other information about your vehicle as well, including its fuel type, when you bought the vehicle, and roughly how many miles you drive your vehicle each year.
Next, Liberty Mutual will offer the opportunity to enroll in the RightTrack program. The company offers a discount for enrolling in the program and may allow you to save up to 30% off of your insurance premium, depending on your results. You can enroll your vehicle(s) in the program, or you can decline to enroll if you’d rather not participate.
I selected the “No, thanks” option and declined the offer to enroll my car into the program. Instead of taking me to the next screen, Liberty Mutual offered me another chance to enroll.
Since I decided to continue without the discount, I was brought to the next step of the quote process.
Like the vehicles, Liberty Mutual also attempts to find the appropriate drivers for your vehicle(s) and address. If the information Liberty Mutual provides is incorrect or is missing a driver that you want to add to your insurance quote, you can input the correct and complete driver information.
This is the time when Liberty Mutual asks for your phone number. By entering your phone number, you are giving Liberty Mutual consent to call or text you to discuss your quote further. Liberty Mutual also makes it clear that you may receive automatically dialed calls at the number that you provide.
I decided not to provide my phone number. Unfortunately, it did not allow me to continue the online quote without it. At this point, if you decide not to provide your phone number, it looks like the only option is to call Liberty Mutual for a quote.
If you provide your phone number to continue the online quote process, the next step is to review your current auto insurance policy (if you have one.) As you can probably guess, Liberty Mutual pulls this information as well to show you what you currently have.
If the auto insurance information that it pulls is incorrect, you can click on the “Edit” button. This will allow you to select whether you currently have auto insurance, when the policy began if you did, and your current policy’s Bodily Injury Limit.
If you edit this information, you’ll still have the option to select whether you have other policies with Liberty Mutual. Your desired policy start date is available to change via the drop-down menu, as well.
Finally, after all of that, Liberty Mutual will give you an estimated price.
The estimated price already includes the discounts that Liberty Mutual can offer based on the information gathered during the quote process. These were my discounts:
Before you finalize your price, you can review and edit the coverages included in your policy.
Each drop-down menu will expand the coverage options that are included in your quote, as well as a brief description of each coverage type.
Although Liberty Mutual includes the most popular coverage options in your initial quote, you can edit them.
Updating these options can affect the price of your quote. Each time you change one of the selections, Liberty Mutual will adjust your estimated price.
If you’re feeling lost or nervous about choosing the right options, Liberty Mutual is already one step ahead of you. I received this pop-up while playing around with the coverage options.
If you decide that Liberty Mutual is the right choice for your auto insurance, you can click on “Finalize my price.” You’ll need to finalize a few details before you can purchase the policy.
You can also save your quote and come back to it later.
Overall, Liberty Mutual’s online quote process is pretty straightforward. I found that it pulled the correct details about myself and my vehicle. The only incorrect information that its input was my homeownership status.
If you decide to get an online quote, just be aware that if you step away from the computer (or other devices) during the process, you may return to find that your session has timed out. When this happened to me, I had to input my email address and birthdate to access my quote again. It kept the information that I had already entered into the forms, but for some reason, it said I had 2 vehicles instead of 1. It also didn’t allow me to select the year I purchased my car — information that was required to move on to the next page — so I ended up having to start the quote process over.
What affects the cost of Liberty Mutual auto insurance?
As tedious as it may seem, Liberty Mutual’s quote process is necessary to get an accurate cost for your policy. This is because the cost of your auto insurance policy is calculated based on several factors.
Your driving record
By selling you an auto insurance policy, any insurance company takes on a certain level of risk. Your driving record can tell an insurance company a lot about the risk that they may be taking on. If you have a clean driving record with no serious accidents or traffic violations, you may be eligible for a lower insurance rate. Having a history of accidents or traffic violations won’t automatically mean that you can’t get insurance, but your insurance rate may be higher.
All of those questions about your vehicle are there because the type of vehicle you drive can impact your likelihood of making an insurance claim. You could have a brand-new car that costs more to replace than an old car, unless, of course, it is a classic car. An off-road vehicle requires different coverage, as well. Safety features that make it safer to drive and easier to avoid accidents can help lower the cost of your insurance rate.
Insurance companies may also consider the overall safety record for the type of vehicle that you drive. If your car is more likely to cause damage in an accident or more likely to get stolen, this may cause an increase in your insurance rate.
Each state has a minimum auto insurance requirement. To comply with your state’s requirements, you may need more or less coverage depending on where you live.
The average cost of living in your area can also affect your insurance rate. You can expect any insurance company to take the average cost of medical care and car repairs in your area into consideration when determining your rate. The rates of accidents, thefts, and vandalism in your area can also increase or decrease your insurance rate.
Examples of premium costs
I received a quote from Liberty Mutual based on a single, college-educated male renting a home in Chicago driving an average of 11,000 to 13,000 miles a year in a 2018 Toyota Camry as of March 28, 2021. I received the minimum and full-coverage options.
Minimum coverage includes:
- Bodily Injury: $25k/$50k
- Property Damage: $20k
- Uninsured Motorist Bodily Injury: $25k/$50k
Full coverage includes:
- Bodily Injury: $100k/$300k
- Property Damage: $50k
- Uninsured Motorist Bodily Injury: $100k/$300k
- Collision Deductible: $1k
- Comprehensive Deductible: $1k
Liberty Mutual’s auto insurance coverages
Liberty Mutual breaks their auto insurance coverage out into 3 categories: For You, For Others, and Your Vehicle. This includes:
Medical payments coverage
If you get hurt in an accident, this coverage will pay for your medical expenses no matter who was at fault. It will also cover passengers in your vehicle at the time of the accident. Additionally, any family member that lives with you can benefit from this coverage if they are injured as a pedestrian or when riding in another person’s car.
While this coverage can cover things like transportation in an ambulance and a hospital stay immediately following your accident, it doesn’t cover everything. Liberty Mutual makes it clear that this part of your auto insurance coverage should not be relied on as a substitute for health insurance.
Uninsured motorist coverage
There are 2 types of uninsured motorist coverages — uninsured motorist bodily coverage and uninsured motorist property damage coverage. This type of coverage is required in some states.
Uninsured motorist bodily injury coverage will help pay for the cost of any injuries that you incur if you’re involved in an accident in which the at-fault driver does not have auto insurance.
Uninsured motorist property damage coverage will help pay for your vehicle’s repairs if you are involved in an accident with an uninsured driver. While it is required in some states, Liberty Mutual may not be able to offer this type of coverage in every state.
Personal injury protection for you
This can help pay for medical expenses beyond your care immediately following an accident. It generally covers expenses such as hospital bills, medication, rehabilitation costs, and prostheses.
Some states require personal injury protection coverage. If it’s a requirement in your state, Liberty Mutual will include it in your quote.
Bodily injury liability
If you cause an automobile accident, this coverage will pay for the costs of medical treatment for the other people that are injured. If you are sued for damages, your bodily injury liability coverage can also provide legal defense.
Most states require a minimum amount of bodily injury liability coverage.
Property damage coverage
If your vehicle causes damage to some else’s vehicle or their other property, you can use this coverage to help cover the cost of repairing or replacing the damaged property.
Personal injury protection for others
Personal injury protection coverage can also cover the medical expenses of others who are involved in an accident with your vehicle.
Collision insurance coverage can help pay for the cost of repairing or replacing your vehicle after it is damaged in an accident, no matter who caused the accident. This coverage applies whether you get into an accident with another vehicle or with an inanimate object such as a guardrail or a tree.
This can help cover the costs of repairing the damage to your vehicle if the damage was caused by something other than a collision. Some examples of non-collision situations include storms, floods, fire, theft, and vandalism.
Liberty Mutual offers several additional coverage options, including:
- Lifetime repair guarantee
- New car replacement
- Better car replacement
- Rental car reimbursement
- Towing & labor (24-hour roadside assistance)
- Gap coverage
- Original parts replacement
- Teachers car insurance
- Mexico car insurance
Liberty Mutual’s auto insurance features
- 12-month rate guarantee. Liberty Mutual guarantees your auto insurance rate for a full year.
- Convenient payment options. You can choose to pay for your auto insurance monthly, quarterly, or in one single payment. Payments can be made by mail, online, or through automatic deductions.
- After-hours policy services. Liberty Mutual’s customer service representatives are available to answer questions about your policy or billing after normal business hours and on the weekends.
- Car windshield repair. If your windshield or other safety glass is damaged, Liberty Mutual arranges and guarantees a quality repair or replacement.
Liberty Mutual vs. competitors
This comparison table reflects the following auto insurance coverage:
- Bodily injury liability: $100,000 per person/$300,000 per occurrence
- Property damage liability: $50,000 per accident or occurrence
- Uninsured motorist: $100,000 per person/$300,000 per occurrence
- Basic personal injury protection
- Comprehensive: $500 deductible
- Collision: $500 deductible
- Emergency road service
- Rental car reimbursement
|Liberty Mutual||$77.25||Online purchase, accident-free, violation-free, vehicle safety, preferred payment, paperless||after-hours customer service, 12-month rate guarantee|
|GEICO||$91.40||5-year good driver, anti-lock brakes, passive restraint, anti-theft device||discounts for partner organizations, local agents|
|Allstate||$145||Anti-lock brake, anti-theft, safe driving club, passive restraint, daytime running lights, multiple policies, electronic stability control, responsible payer, Allstate easy pay plan, Allstate eSmart||local agents, discounts from partners|
Geico is another top insurance company for auto and other insurance products. Like Liberty Mutual, it offers several coverage options at competitive rates. GEICO also offers rideshare insurance, which can take the place of your personal auto insurance policy if you are a rideshare driver.
Allstate offers a variety of coverage in addition to other perks. You can enroll in the Drivewise program for the opportunity to earn discounts based on your driving habits. This is similar to Liberty Mutual’s RightTrack program. Allstate also offers discounts from partner companies on things like fire safety products, home maintenance services, and more.
Who is Liberty Mutual best for?
Anyone that wants thorough auto insurance coverage
Liberty Mutual provides auto insurance coverage for almost any situation that you could imagine. You have the option to truly customize your policy to ensure that it meets your needs before you finalize the purchase.
Customers that want personalized assistance
Liberty Mutual’s website provides information about coverage options and discounts every step of the way through the quote process. If you have questions before finalizing your policy, getting help is as simple as clicking a button.
Liberty Mutual’s RightTrack programs could be beneficial if you’re typically a safe driver. These programs keep track of how much you drive, your braking and acceleration habits, and more throughout a 90-day review period. After the review period, you may be eligible for a discount that is awarded based on your results.
Who shouldn’t use Liberty Mutual?
Uber, Lyft, or other rideshare drivers
Liberty Mutual offers a wide range of insurance coverage, but rideshare insurance isn’t one of them.
Pros & cons of Liberty Mutual
- Discounts. Liberty Mutual offers all sorts of discounts, including those for military service members, homeowners, and good students. Bundling your car insurance with home insurance, renters insurance, and even business insurance can save you money. Your car can also earn you a discount if it’s a hybrid or electric vehicle, if it has anti-theft technology, and if it has advanced safety features. You can also earn discounts for having an accident-free and violation-free history, purchasing a policy for multiple vehicles, and more.
- Keep your price for a year. Most insurers only offer 6-month auto insurance policies. After the 6-month policy expires, your insurance rate can increase for the next policy period. Liberty Mutual writes 12-month policies so policyholders can keep your rate the same for a full year.
- Can be more expensive if you don’t want to enroll in programs. Liberty Mutual seems to rely heavily on its customers enrolling in the RightTrack program to earn a discount. If you don’t want to enroll in the program, your quote may not beat competitor pricing.
How are auto insurance policies renewed?
Policies are automatically renewed upon their expiration date and new ID cards are sent to Liberty Mutual customers.
How do I file a claim online?
Liberty Mutual offers a guided online process to help you file an insurance claim. Using the mobile app, you can stay up to date on the entire process.
Where is Liberty Mutual located?
Although the headquarters are located at 175 Berkeley Street, Boston, MA 02116, you'll find Liberty Mutual is a nationwide insurance company and provides coverage limits based on your state laws, including personal property coverage.
The bottom line
Purchasing an auto insurance policy from Liberty Mutual can be a good option for most customers. However, if you’re a rideshare driver, you should be aware that you cannot purchase rideshare insurance from this company.
Liberty Mutual’s online quote process takes some time, but it does explain coverage options and programs well along the way. The thorough explanations and opportunities to speak to a representative before purchasing can help you feel confident that you’re choosing the right policy.